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海口公积金贷款流程哪位朋友了解？

海口公积金贷款流程哪位朋友了解？

浏览：33次 | 提问时间： 08-06 05:40

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歆m 08-06 05:41

海口公积金贷款流程1、借款人到直属局申请领取《住房公积金贷款申请审批表》，服务窗口工作人员对所需*一次性告知。　　2、借款人向直属局提交*。　　3、直属局审批。　　4、借款人与受委托银行签订借款合同、借款担保合同。　　5、办理抵(质)押手续。　　6、由受委托银行发放贷款。　　7、贷后管理。　　

红颜祸水 08-06 05:49

海口公积金贷款流程【一手房】第一步贷款咨询借款申请人向管理中心的受托银行进行贷款咨询，领取《一手房个人住房公积金贷款*夹》，按要求填写完毕，并连同以下*一同提交受托银行：第二步提交申请1.借款人夫*双方*、户口簿原件及复印件;2.婚姻状况证明原件及复印件(单身证明由民政部门出具);3.经房产部门备案的购房合同和不低于房屋总价20%的首付款收据原件及复印件;4.贷款银行要求提交的其它证明材料。第三步贷款受理、银行初审1.受托银行与借款申请人进行面谈，审核其提交的申请*;2.查询并打印借款人及配偶的《个人信用报告》，审核夫*双方个人信用情况、房贷情况;3.受托银行通过房产部门对借款申请人进行“家庭住房*查询”;4.对符合贷款条件的借款人，受托银行在公积金系统中进行贷前试算，根据试算结果和还贷能力，与借款人商议确定贷款额度、期限、利率以及还款方式;5.受托银行在公积金系统中进行初审，初审未通过的，及时通知借款人并告知原因。第四步签订合同贷款初审通过后，受托银行与借款申请人、购房人面签借款(抵押)合同，并填写房产抵押登记等相关贷款*。

情字白头 08-06 05:57

1、借款人到直属局申请领取《住房公积金贷款申请审批表》，服务窗口工作人员对所需*一次性告知；2、借款人向直属局提交*；3、直属局审批；4、借款人与受委托银行签订借款合同、借款担保合同；5、办理抵(质)押手续；6、由受委托银行发放贷款；7、贷后管理。

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